How to Know You're Paying Too Much for Auto Insurance in Sylacauga

I can't think of a single person who looks forward to paying for auto insurance, particularly when their premiums are through the roof. Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices periodically because prices are constantly changing. If you had the lowest rates six months ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Alabama auto insurance quotes

Sylacauga Auto Insurance Comparisons

There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can spend countless hours talking to agents in Sylacauga, or you can utilize the internet to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system that allows shoppers to submit their information once, and every company then returns a price quote for coverage. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you can't choose the providers you want to price. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in Alabama. View list of Alabama insurance companies.

However you get your quotes, be sure to compare exactly the same deductibles and coverage limits with each company. If you use different values for each quote it will be next to impossible to make an equal comparison in Sylacauga.

Be sure to get all your discounts

Companies don't always list all their discounts in a way that's easy to find, so we break down both the well known and the more hidden discounts you could be receiving. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
  • Accident Forgiveness - A handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of companies with the best auto insurance discounts in Sylacauga, click here.

How do I know if I need professional advice?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions may help highlight whether or not you might need an agent's assistance.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Additional Alabama consumer information

Even more information can be found at the Alabama Department of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, download brochures, and view a list of available companies.